Stanley Bankruptcy Law

Chapter 7 bankruptcy: a fresh start, often in a matter of months

Chapter 7 wipes out most unsecured debt, credit cards, medical bills, personal loans, and stops collection calls, garnishments, and repossessions the day you file. It is the fastest path the law offers to a clean slate, and you can begin for $0 down.

What a Chapter 7 discharge erases

What survives

Child support and alimony, most student loans, recent income taxes, and court fines are generally not discharged. Read the statute-by-statute guide.

Do you qualify?

The means test compares your household income over the last six months to Kentucky's median for your family size. Below the median, you generally qualify; a layoff or reduced hours often makes Chapter 7 more accessible than you expect. Behind on a home or car you want to keep? Chapter 13 is built for that.

Your property is protected

Exemptions protect your home equity, vehicle, household goods, and retirement accounts in the overwhelming majority of cases. How exemptions work.

Talk to a local bankruptcy attorney

Call or text (276) 409-5541 (or send us a text) · Email [email protected]
Office: 156 Ky Oil Village, Betsy Layne, KY 41605 (by appointment only) · Book your free, no-obligation consultation.

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Dalton Stanley is the attorney responsible for the content of this website. Principal office located at 156 Ky Oil Village, Betsy Layne, KY 41605. The information provided on this website is for general educational and informational purposes only and does not constitute formal legal advice. Viewing this website or submitting a contact form does not create an attorney-client relationship. Licensed to practice law in the Commonwealth of Kentucky. THIS IS ADVERTISING MATERIAL. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.